Respectfully, though, I'm not sure I'm getting an answer to how making it a one-stage credit for both incents people to give more, or does it incent people to give more, because the argument against—from people we had on the last panel—was that you're just going to increase the cost? You're not going to incent people to give more. That's why you should do the stretch tax credit because that incents people to give more. That's an argument for the stretch.
I want you to address that criticism—that this does not, in fact, incent people to give more than making it a one-stage credit. Frankly, I like the simplicity of it, but I want that argument addressed.